Do you think you need flood insurance only if you live near water? Think again.

Floods can be caused by heavy rainfall, melting snow, clogged drainage systems and broken levees. All it takes is a few inches of water to cause major damage to your home and belongings.

So don’t get caught off guard. If you think you’re at risk, consider protecting your home with a flood insurance policy. Although most homeowner and renters policies do not cover flood losses, you can purchase flood insurance through FEMA’s National Flood Insurance Program.

To find out more information on coverage and premiums, visit www.fema.gov.

In the meantime, take these steps to protect your home from flood damage: